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Small Businesses Face Greater Cost-sharing and Increasing Complexity in Health Insurance
California Health Care Foundation 
May 6, 2002
Excerpt: Rising health care costs put pressure on health plans to develop, and purchasers to buy, health coverage with less comprehensive benefits and more cost-sharing at the point of service.... This analysis presents examples of new benefits introduced to small businesses and individual purchasers between Summer 2001 and Spring 2002. It describes the complexity of some new cost-sharing arrangements and explores their implications for consumers.
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